澳大利亚将从10月起禁止商家收取卡支付手续费

从2025年10月1日起，澳大利亚将全面禁止企业对消费者使用借记卡、信用卡、EFTPOS卡或预付卡收取手续费1。这一禁令由澳大利亚储备银行推动，通过从指定卡网络中移除手续费机制来实现，被评价为澳大利亚支付史上最重大的改变之一1。

禁令实施前，商家承担的卡支付成本差异较大——EFTPOS借记卡手续费为0.43%，Visa和Mastercard信用卡约为1%，美国运通卡则达1.36%1。小企业目前平均支付交易价值的1.4%来接受卡付款1。为了与禁令相衔接，监管部门已设定了新的手续费上限：信用卡从0.80%降至0.30%，借记卡和预付卡从0.20%降至0.16%1。

禁令生效后，商家面临两种选择：自行承担成本或将成本转嫁到商品价格中1。澳大利亚储备银行估计，如果成本反映在价格中，将对通胀产生约0.1%的一次性影响1。部分企业已开始调整收费结构以应对变化。在线教育平台Flexischools宣布从10月1日起，每名学生每笔订单将增加6美分费用，并引入10澳元的最低结账额1。大型银行则主动降低商户费率，例如Commonwealth Bank已宣布从10月1日起将商户费率从1.10%降至0.99%1。

根据数据，2025年卡支付已占澳大利亚所有支付的约75%，其中借记卡占49%，信用卡占23%1。

Australia will prohibit businesses from charging consumers surcharges when paying with debit cards, credit cards, EFTPOS, or prepaid cards effective October 1, 2025 1. The Reserve Bank of Australia previously decided to remove surcharge mechanisms from designated card networks, marking what the Restaurant and Cafe Association describes as one of the most significant changes in Australian payment history 1.

Under the new rules, credit card surcharge caps will drop from 0.80% to 0.30%, representing a 50 basis point reduction, while debit and prepaid card surcharge limits will decrease from 0.20% to 0.16% 1. Currently, small businesses pay an average of 1.4% of transaction value to accept card payments 1. Once the ban takes effect, merchants will either absorb these costs themselves or pass them on to consumers through higher prices 1. The Reserve Bank estimates that if costs are reflected in prices, there will be a one-time inflationary impact of approximately 0.1% 1.

Card payments already account for roughly 75% of all payments in 2025, comprising 49% debit card and 23% credit card transactions 1. Some businesses have already announced adjustments to their fee structures in response to the change. Flexischools notified customers that from October 1, it will add 6 cents per student per order and introduce a $10 minimum checkout amount 1. Commonwealth Bank announced it will reduce merchant rates from 1.10% to 0.99% starting October 1 1.